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Specializing in Kai-Zen:

A Better Way for Financial Growth

Kai-Zen represents a groundbreaking strategy designed to magnify your funds, propelling them towards substantial and dynamic growth. It's not just a better way; it's a solution for adeptly navigating the complexities of the financial world and fostering enduring success.

Specializing in Kai-Zen: A Better Way for Financial Growth

Kai-Zen represents a groundbreaking strategy designed to magnify your funds, propelling them towards substantial and dynamic growth. It's not just a better way; it's a solution for adeptly navigating the complexities of the financial world and fostering enduring success.

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Greetings, I'm Jim Barlow, representing OakTree Premium Finance.

At OakTree, we specialize in one exceptional product – Kai-Zen. This enhanced, tax-free strategy is designed to provide innovative solutions for personal and business planning, specifically tailored to the needs of high-net-worth professionals. 

We believe that Kai-Zen offers a better way to generating more retirement income from a smaller accumulated savings pool, a better way to transfer of wealth to family members, a better way to recruit and retain employees or a better way to fund buy-sell and succession agreements. 

My dedication to innovation and improvement remains steadfast. I’ve wholeheartedly embraced Kai-Zen as not just a better way, but in my humble opinion, the best way. I extend an invitation for you to connect with me, providing the opportunity to demonstrate firsthand the remarkable capabilities of Kai-Zen.

Retirement Income Gap Calculator

In the ever-evolving landscape of retirement planning, understanding where you stand financially is crucial. Our calculator simplifies this process, providing you with effortless insights into your retirement readiness. Here’s why it’s a game-changer:

Goal-Centric Clarity: We focus on your goals. Our calculator excludes Social Security from calculations, allowing you to concentrate solely on the assets earmarked for your retirement. This goal-centric approach provides a more accurate representation of your financial landscape.

Streamlined Asset Management: Our calculator simplifies the process by consolidating all funds into one tax-deferred category. It’s about efficiency and a straightforward understanding of your financial standing.

Targeted Investment Strategy: Visualize your retirement. Our calculator strategically targets your invested money to run out at the specified age, helping you plan for the maximum income you can expect during your retirement years.

What’s in Store for You: Uncover your projected desired annual income at retirement, accumulated savings, projected retirement income, and the crucial Retirement Income Gap.

Connect with Confidence: Have questions or need assistance? Reach out to us anytime. We’re not just providing a calculator; we’re offering guidance on your financial journey. Connect with us and take the first step towards a secure and fulfilling retirement.

Services

Kai-Zen Personal Solution

Keep More For Retirement

For high-income earners who want protection and accumulation to last a lifetime.

Through hard work and determination, you are considered within the top 10% of all wage earners in the United States. Your income provides you a better lifestyle than most, but this has its disadvantages and restrictions from saving enough to maintain your lifestyle throughout your retirement.

Our Strategy have the potential to provide you…

Up to an additional three times more money added to your strategy. Tax advantages when you are ready to take distributions in retirement. Growth and protection, that will give you and your family options.

Kai-Zen®Everyone wants to maintain the same quality of life in retirement, congruent with a steady cash flow that allows you to continue living out your dreams and look after loved ones while maintaining a cushion of cash for extreme medical conditions, should anything happen.

This comes at high cost. People like yourself struggle to save the 30-35% of income needed.  Kai-Zen® gives you additional cash in the form of leverage, to help you bridge the funding gap.

What makes this strategy unique is you don’t have to qualify, be bound by a loan, pay interest or incur personal liability.

Is it right for you?

  • Highly compensated individuals below age 65.
  • Earning $100,000+ per year.
  • Standard or better health.
Kai-Zen Personal Solution

The Greatest Wealth Transfer

We have all used leverage to purchase a nicer house or to buy a better car. Kai-Zen® uses leverage for the potential to accumulate more growth & obtain more protection, while providing the ability to maintain your current standard of living. That’s the smart way to use leverage.

Value Provided

  • Potential for more accumulation
  • Maintain current lifestyle
  • protection for you and your family
  • Diversify your assets

Required Qualifications

  • Your combined household income is at least 100k per year
  • You are between the ages of 18 – 70
  • You are in average or good health
  • You can contribute a minimum of $22k per year
Kai-Zen Personal Solution

Kaizen As An Alternative To Fixed Assets

The problem with fixed income today is that you don’t get any return and you don’t have protection when interest rates rise. Kai-Zen uses a life insurance product where costs are minimalized. It is over funded to the point where insurance costs become minimal, so you have a massive surplus of cash value. This grows tax deferred and can be accessed through policy loans, which are generally not taxable. It is incredibly tax efficient. However, what’s different is that your payments are just the seed capital. Kai-Zen then leverages up your contribution, up to three times! Because the policy is so safe, the lender does not need to underwrite you for the loan at all. No contracts, no interest payments no personal guarantees. It truly is a safer loan, in comparison to the one you probably used to mortgage your house. The combined premium is put into an Index Universal Life policy (IUL). IUL’s are used because, based on industry data, they have the potential to grow over time, on average 2% more than fixed income. This is not guaranteed, it is risk premium, but not as risky as a stocks. Because in any year the index is negative you record zero return not a loss. From an asset risk perspective, it is midway between a bond and a stock.

This 2% risk premium gives you extra yield, but what really makes the difference is the extra cash put in by the lender. Statistically you will get an additional +2.25% on the lender’s money. So, let’s look at a hypothetical math example… If the bond portfolio is yielding 2%, you would expect an IUL to average 4% over time (2%+2%). With Kai-Zen you have the potential for 60-100% more. Using this hypothetical example, you would achieve 6.4% to 8% given the assumptions stated. This cannot be guaranteed. This strategy is driven by standard industry economics that has been in place since 1930. In addition, the designs have been stress tested through Great Depression and high interest rate scenarios. It is critical to remember these are life insurance policies, and so include the protections associated with them. Such as, death benefit and living benefits. They also include substantial tax advantages. If your money is invested but you are looking for an alternative to medium to long term bonds then Kai-Zen it likely to be very attractive.

Value Provided

  • Potential for more accumulation
  • Maintain current lifestyle
  • More protection for you and your family
  • Diversify your assets

Required Qualifications

  • Your combined household income is at least 100k per year
  • You are between the ages of 18 – 70
  • You are in average or good health
  • You can contribute a minimum of $22k per year
Kai-Zen Business Solution

Use Kaizen to Recruit and Retain

The number one concern of CEO’s when surveyed in the U.S. is recruit / retain quality talent due to the loss ratio of new hires. Kai-Zen ®  is a great tool for recruiting and retaining employees by providing superior employee benefits from your competitors without a hit to your bottom line.

Value Provided

  • 60-100% more supplemental income for employees
  • Increased lifestyle protections for employees
  • More protection for employees and their family
  • Allow employees to diversify assets

Required Qualifications

  • Employees combined household income is at least 100k per year
  • Employee is between the ages of 18 – 70
  • Employee is in average or good health
  • Employee contribute a minimum of $22k per year
Kai-Zen Business Solution

Key Person Protection with Kai-Zen

Creates a pool of revenue for when key persons leave, get sick, retire, or die
 
Traditional Premium Financing gives individuals a way to finance life insurance premiums. Covering future estate taxes by allowing the client to pledge collateral instead of paying. Traditional Premium Financing can also be used for succession planning, buy-sell agreements, and key-man applications.
 
Value Provided
 
  • Keep control of your assets, assets can grow with minimal opportunity cost.
  • Reduce or eliminate gift taxes.
  • Significantly more effective than paying premiums.
  • Stress tested against the harshest economic conditions.
  • Required Qualifications
    • Your net worth is greater than $15M.
    • You are below the age of 70.
    • You are in good health.
    • You need insurance.
    • You have the ability to pledge collateral or pay interest.
 
Questions? If you feel this might be what you are looking for, please call. Phone: 385-393-4775
The information we will need to provide an illustration and proposal are: Birth day,  Health status, estimated estate tax or amount of insurance you want, amount of liquid collateral you have  available, amount you are willing to pay per year.
Kai-Zen Business Solution

Buy-Sell, Succession Planning

Provide the agreed funds once the business once the partner has left. The ex-partner is comfortable they will get their money and the remaining partners don’t have to worry about shackling the business with a cost that is not producing revenue.
 
Traditional Premium Financing gives individuals a way to finance life insurance premiums. Covering future estate taxes by allowing the client to pledge collateral instead of paying. Traditional Premium Financing can also be used for succession planning, buy-sell agreements, and key-man applications.
 
Value Provided
 
  • Keep control of your assets, assets can grow with minimal opportunity cost.
  • Reduce or eliminate gift taxes.
  • Significantly more effective than paying premiums.
  • Stress tested against the harshest economic conditions.
  • Required Qualifications
    • Your net worth is greater than $15M.
    • You are below the age of 70.
    • You are in good health.
    • You need insurance.
    • You have the ability to pledge collateral or pay interest.
 
Questions? If you feel this might be what you are looking for, please call. Phone: 385-393-4775
The information we will need to provide an illustration and proposal are: Birth day,  Health status, estimated estate tax or amount of insurance you want, amount of liquid collateral you have  available, amount you are willing to pay per year.
Traditional Investment Solution

Traditional Premium Finance

Obtaining Significant Life Insurance coverage without tying up large amounts of immediate capital through Premium Finance.

Traditional Premium Financing gives individuals a way to finance life insurance premiums. Covering future estate taxes by allowing the client to pledge collateral instead of paying. Traditional Premium Financing can also be used for succession planning, buy-sell agreements, and key-man applications. We help you obtain significant life insurance coverage without tying up large amounts of immediate capital through Premium Finance.

 
Value Provided 
  • Keep control of your assets, assets can grow with minimal opportunity cost.
  • Reduce or eliminate gift taxes.
  • Significantly more effective than paying premiums.
  • Stress tested against the harshest economic conditions.
  • Required Qualifications
    • Your net worth is greater than $15M.
    • You are below the age of 70.
    • You are in good health.
    • You need insurance.
    • You have the ability to pledge collateral or pay interest.
 
Questions? If you feel this might be what you are looking for, please call. Phone: 385-393-4775
The information we will need to provide an illustration and proposal are: Birth day,  Health status, estimated estate tax or amount of insurance you want, amount of liquid collateral you have  available, amount you are willing to pay per year.

Get in Touch with a Specialist

Fill out the form below and one of our specialists will help you decide if Premium Finance is for you.

We partner for our Premium Finance cases with the same company that we partner with to provide Kai-Zen to our client, NIW. They are foremost leaders in the field of Premium Finance.

Net Worth 35M, 2.8M Paid, 2.9M Collateral
Net Worth 35M, 5.5M Paid, 1.1M Collateral
Net worth 150M, 0 Paid, 15M Collateral

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